AFBI Valuation

Affinity Bancshares Inc

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18.820

+0.46(2.505%)1D

AFBI Relative Valuation

AFBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AFBI is overvalued; if below, it's undervalued.

Historical Valuation

Affinity Bancshares Inc (AFBI) is now in the Fair zone, suggesting that its current forward PS ratio of 18.38 is considered Fairly compared with the five-year average of 0.00. The fair price of Affinity Bancshares Inc (AFBI) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：18.82

Fair

0.00

Trailing

Forward

0.00

EV/EBITDA

Affinity Bancshares Inc. (AFBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Affinity Bancshares Inc. (AFBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

18.38

Affinity Bancshares Inc. (AFBI) has a current PS of 18.38. The 5-year average PS is 0.17. The thresholds are as follows: Strongly Undervalued below -3.40, Undervalued between -3.40 and -1.61, Fairly Valued between 1.96 and -1.61, Overvalued between 1.96 and 3.74, and Strongly Overvalued above 3.74. The current Forward PS of 18.38 falls within the Strongly Overvalued range.

0.00

P/OCF

Affinity Bancshares Inc. (AFBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Affinity Bancshares Inc. (AFBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Affinity Bancshares Inc (AFBI) has a current Price-to-Book (P/B) ratio of 0.91. Compared to its 3-year average P/B ratio of 0.91 , the current P/B ratio is approximately 0.29% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 2.51% higher. Affinity Bancshares Inc (AFBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 5.17%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 6.66% , the current FCF yield is about -100.00% lower.

0.91

P/B

Median3y

0.91

Median5y

0.89

0.00

FCF Yield

Median3y

5.17

Median5y

6.66

Competitors Valuation Multiple

The average P/S ratio for AFBI's competitors is 13.13, providing a benchmark for relative valuation. Affinity Bancshares Inc Corp (AFBI) exhibits a P/S ratio of 18.38, which is 40.00% above the industry average. Given its robust revenue growth of 4.79%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

AFBI.O

Affinity Bancshares Inc

Bogota Financial Corp

Riverview Bancorp Inc

Lake Shore Bancorp Inc

Provident Financial Holdings Inc

15.21

3.53%

98.92M

Performance Decomposition

Market capitalization of AFBI decreased by 13.15% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 23.84 to 29.15.

The secondary factor is the Revenue Growth, contributed 4.79%to the performance.

Overall, the performance of AFBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

4.79%

7.26M → 7.61M

Revenue Growth

22.27%

23.84 → 29.15

Margin Expansion

-40.21%

26.32 → 15.74

P/E Change

-13.15%